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Tuesday Tip: Pull Your Credit Report

Credit ReportTo start the year off right financially, there’s one simple task that makes every future personal finance move easier: pulling your credit report. Taking a few minutes to access and examine your report can save you from headaches later on and helps guide debt management efforts in the right direction. 

The Five W’s & One H of Your Credit Report

Who needs to check their report? 

  • Everyone! Every consumer has something to gain from seeing and evaluating their report.

What info does a credit report contain? 

  • Your report contains a complete listing of your accounts and balances, credit inquiries, notations, and additional information.

Why should consumers check their report? 

  • Credit information provides individuals with the tools to protect themselves and make better financial decisions. It is especially helpful for identity theft prevention, credit card debt negotiation, and timing loan applications.

Where can consumers get their report? 

When should reports be pulled? 

  • Consumers are legally entitled to one report per year from each of the three main credit bureaus. As such, you can request one of your reports periodically throughout the year or just before making important financial decisions.

How can consumers understand the info on their credit reports? 

  • These documents contain many types of information, and as a result, they’re very complex. You can read about understanding credit reports and watch this brief video for more information:

For help understanding your credit report and managing debt, call ACCC at 800-769-3571 to speak with a certified credit counselor today.


Andi is a Marketing Assistant at ACCC. He is passionate about supporting financial literacy efforts and helping to educate people on the Talking Cents blog!

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